विनियमित एनबीएफसी (Regulated NBFC)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: Within 24 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

बजाज फाइनेंस वेतनभोगी पर्सनल लोन

Standard personal term loan from Bajaj Finance up to ₹40 Lakhs with fixed EMIs.

ऋण राशि सीमा₹50,000 to ₹40,00,000 (standard term loan)

ब्याज दर (APR)11.00% - 26.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि12 to 84 months

प्रोसेसिंग शुल्कUp to 3.93% of loan amount + GST

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Standard fixed-tenure amortizing personal term loan from Bajaj Finance for salaried employees requiring a lump sum amount with fixed monthly EMIs.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹40 Lakhs without pledging assets • Quick sanction and disbursal within 24 hours • Flexible repayment tenure up to 7 years (84 months) • 100% paperless digital onboarding process.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Salaried corporate employees and professionals. Min Age: 21, Max Age: 68. Min Net Monthly Salary: ₹25,000. Min CIBIL: 720.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Part-payment allowed with 2% fee; foreclosure fee of 4.72% (inclusive of GST) on principal outstanding.

📂आवश्यक दस्तावेज (Required Documents)

• Identity Proof: PAN Card and Aadhaar Card • Employment Proof: Employee ID Card • Income Proof: Last 3 months payslips • Bank Statement: Last 3 months salary bank statement.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• High foreclosure charges of 4.72% on outstanding principal. • Upfront processing fee of up to 3.93% deducted from disbursed proceeds. • High interest rates up to 26% for non-prime borrowers.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open Bajaj Finserv App > Personal Loan banner. Select amount and tenure, complete OTP authentication.

2. नए ग्राहक (ऑनलाइन):

1. Visit bajajfinserv.in > Personal Loan. Submit mobile number, PAN, and link bank statement via Account Aggregator.

3. बैंक शाखा में जाकर:

1. Visit nearest Bajaj Finserv branch with payslips and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the difference between Term Loan and Flexi Loan?

Term loan disburses a lump sum with fixed EMIs; Flexi loan allows drawing and repaying funds as a line of credit.

What is the foreclosure fee?

4.72% (inclusive of GST) on the principal outstanding at the time of foreclosure.

What is the minimum credit score required?

A minimum CIBIL score of 720 is recommended.